More Than Debt Relief. A Champion's Resilience.
We provide a strategic action plan built on the principles of empathy, resilience, and firsthand experience to help you reclaim your business and your future.
The Settlement Trap vs. The Strategic Exit
Debt restructuring offers a compromise that can destroy your financial future. We provide a resolution that protects it. Before you make a decision that will define your business's comeback, understand the profound difference in the path you choose.
The Well-Worn Road of Compromise
This is the path most businesses are pushed toward by traditional firms. It begins with the risky advice to default on your payments, inviting aggressive collection tactics. The journey is one of prolonged, stressful haggling, ending in a settlement that leaves a permanent scar on your financial record, closing the door to future growth and opportunity.
The Strategic Path to Recovery
This path is less traveled because it requires deep expertise. It begins not with default, but with a forensic analysis of your agreements to find strategic leverage. The journey is one of expert advocacy and precise action, designed not just to reduce your debt, but to resolve the fundamental issue. This protects your financial reputation and keeps the door wide open for a healthy, thriving future.
The Ultimate Comparison: Restructuring vs. Recovery
Most firms offer a single, damaging tool: debt settlement. This approach can solve one problem while creating others. We engineered a better way by focusing on a strategic resolution that protects your financial future.
We create specialized solutions unique to each client's needs. The focus is on preserving your credit profile, while releaving the pressure of predatory loans.
Ensuring your ability for future funding.
How It Works
Comprehensive Debt Analysis
We begin by conducting a thorough assessment of every debt holding your business captive. This includes gathering all your MCA contracts, short-term loan agreements, and business credit card statements to create a complete picture of your financial obligations and identify the most pressing threats.
Immediate Financial Stabilization
Before we can build for the future, we must win the present battle. Our first priority is to stabilize your cash flow by addressing the most aggressive debts, often through the MCA Restructuring process. Securing this stability is a critical prerequisite for obtaining favorable long-term financing.
Sourcing the Right Consolidation Loan
With your cash flow stabilized, your business becomes a much stronger candidate for traditional financing. We leverage our network of trusted lending partners to source a single, affordable term loan with fair, transparent terms designed to serve as a permanent solution, not another problem.
Executing the Strategic Payoff
Once the new consolidation loan is secured, we execute the gameplan. The funds are used to systematically pay off all of your predatory lenders and high-interest creditors at once. This single, decisive action eliminates the multiple daily and weekly payments and silences the creditor harassment for good.
Choose Your Path: A Compromise or a Comeback?
The choice is clear. Don't accept a "solution" that limits your potential and tarnishes the business you've worked so hard to build. Choose the strategic path that protects your future. Let our experts conduct a free, confidential analysis of your agreements and show you the definitive way forward.
****An Important Note on Our Ethics: Our mission is to get you out of the debt cycle, not trade one problem for another. A consolidation solution is only ever explored when it is demonstrably in your best financial interest,providing a lower total cost of capital and a clear path to becoming debt-free. We are your advocates, and this is a commitment we take seriously.
Solutions In Action
From Being Trapped to Securing an SBA Loan
The Business: A thriving local restaurant hit by a slow season.
The Trap: The owner took out two "stacked" MCAs to cover payroll. The daily payments became unsustainable, draining over $1,500 from their account every business day.
The "Typical" Advice: A debt settlement firm advised them to default and try to settle. This would have saved them some money upfront but would have made them ineligible for any future quality financing.
The Champion1 Strategy: For this client we used his personal credit to get him a personal loan at 14% APR, a 3 year term, and monthly payments. SBA loans no longer pay off MCA loans so by moving the debt to the clients personal side we were able to obtain an SBA Express loan of $150,000 for them
The Result: The predatory obligation was resolved. Their cash flow was immediately restored. Two months later, with a clean record, they successfully secured a traditional SBA loan to expand their kitchen and catering operations. The SBA Loan would have been impossible with a settlement on their record.
From a Materials Crisis to Landing a Major Contract
The Business: A successful electrical contracting company.
The Trap: The company needed a fast $75,000 influx to purchase materials for a new commercial project. They took out a high-interest MCA, and the aggressive weekly repayment terms quickly began to suffocate their profit margins and ability to bid on new jobs.
The "Typical" Advice: A consultant told them their only option was to settle the debt. This would have severely damaged their credit and made it nearly impossible to secure the performance bonds required for larger, more profitable government and municipal contracts. The Champion1 Strategy: Our team used their existings equipment to secure a $100,000 equipment loan with an APR of 10% and a term of 5 years with monthly payments.
The Result: The predatory debt was successfully resolved. With their financial record protected and their creditworthiness intact, the company was able to secure a substantial performance bond three months later, allowing them to win their largest municipal contract to date. And have an additional $20,000 in working capital.
This level of bonding would have been unattainable with a settlement on their record.
STILL NOT SURE?
Frequently Asked Questions
Your Questions, Answered with Clarity
If this strategic approach is so much better, why do other firms just push for settlement?
It comes down to their business model and the level of expertise required. The settlement model is a high-volume, "one-size-fits-all" product. It's simpler for firms to execute and doesn't require deep expertise in contract law or financial regulations. Our strategic approach is the opposite. It is a low-volume, high-touch service that demands specialists. We intentionally built our firm to do the detailed, expert work required to achieve a superior outcome for our clients, rather than processing a high number of cases with a generic, often damaging, solution.
Do I have to stop my payments like in a typical debt settlement plan?
Not necessarily, and this is a critical difference in our approach. Settlement firms often rely on the leverage created by defaulting on payments, which immediately exposes you and your business to significant risk. We try to avoid that path as our strategy is based on preserving your credit profile for future lending. The decision on how to handle payments during our process is a careful, strategic one that we make with you based on your unique situation and our strategic plan.
How do you charge for your services? I can't afford a large upfront fee.
We understand that cash flow is the core issue, which is why our fee structure is designed to help, not hinder. Your initial consultation and debt analysis are completely free. From there, our fees are primarily performance-based, meaning we succeed only when we achieve significant savings or debt relief for you. We are fully transparent with our fee agreement before we begin, but our model ensures you are not burdened by large upfront costs when you can least afford them.
My situation feels hopeless. Can you help even if I have multiple, stacked MCAs?
You are not alone, and your situation is almost certainly not hopeless. In fact, handling complex cases with multiple, "stacked" MCA positions is our specialty. This tangled financial situation is precisely where a strategic gameplan is most needed. We are experts at mapping out the entire battlefield, prioritizing the biggest threats, and creating a single, cohesive plan to address all your predatory debts simultaneously.
How long does your strategic process typically take compared to settlement?
The timeline for a resolution varies because each case is unique, depending on the specifics of your agreement and the lender involved. Our initial analysis is very fast,typically completed within a few business days,to give you a quick understanding of your options.
